Citi Credit Cards Reviews

If I knew what I will be dealing with trying to get help and dispute fraudulent transactions I would never apply for Citi card.

They still get no stars from me. Citibank recently told the credit monitoring companies that I am more than 30 days past due paying them. They are intentionally working on ruining my reputation and great credit score. They have also been harassing me with DAILY phone calls telling me to call them and pay. I DO NOT owe them anything and refuse to pay for a fraudulent charge they put on a card that was canceled TWO MONTHS before they put the charge on it. This is a card I NEVER received and DO NOT have! They have it and are using it apparently. Had this been any other person/individual they would not be getting away with harassing people! They would not be able to defame or liable them either.

Terrible Customer Service. I have called them 10 times in the last 2 weeks due to multiple mailed letters from them (and an alert on my account) telling me to call them. Every time I call, I'm sent around to at least 3 reps and either hung up or told to call back later. It’s a joke.

Horrible customer service from overseas! I got a fraud alert and it took over an hour to get them on the line and verify me. I had to redo the balance transfer. Received another fraud alert for the balance transfer. Took over 30 minutes on hold and then she asked for a phone number to send me a text. I give her my phone number and it didn't work "again"! She didn't ask my security questions and then said, since I can't verify you I am sending you a letter, blah blah blah! Problem not resolved and I am very annoyed by the awful customer service! It's ridiculous and I won't be using these cards anymore. Citibank should not have outsourced their employees! Stay in America, we are in America!!

Citi has no concern that their AAdvantage department is the lowest rating out there for their services, lack of empathy, liars with no concern for their customers, which are citi customers. All they do is fill out a template with your name and say they are working on it. To later tell you they were not able to get in touch and deny your request for help with another lie that they call you three times and were not able to get in touch with you. But never leaving a message. Interesting that they call you 3 times but don't have the time to leave a message. Losing my points and money, but will never do business with Citi again... Imaging they have a rating and have no concerns of fixing the problem.

I contacted Citibank to dispute a charge related to a travel booking where the service did not go as expected and a refund was refused by the merchant after cancellation. I provided all relevant details and explained the situation clearly during the dispute process. However, I was repeatedly advised to resolve the issue directly with the merchant, even after confirming that I had already done so and that the merchant had declined to issue a refund. Eventually, I was informed that the decision was based on the merchant’s cancellation policy and that no dispute would be opened. While I understand that banks must follow card network rules, I was disappointed that my concerns about the service and refund were not reviewed further beyond the cancellation policy. I would have appreciated a more detailed explanation of how my evidence was evaluated.

I am thoroughly disappointed with my Citi card. I opened an account for a large home project, began making purchases of the project and then Citi declined my purchase, locked my card stating unusual activity. I did not receive a text or alert asking are you making this purchase... NOTHING!!! Immediately locked my card down so then I spent 45 minutes on the phone with a representative trying to verify my identity through some digital system that does not work. Apparently, my cell carrier hadn't made an update in a while to whatever digital system they have and so I cannot receive the text to verify my identity. THIS IS NOT MY PROBLEM!!!! If your digital system does not work for all carriers for whatever reason, you need an alternative system!

Citi purchased my credit card from Barclay and it was the worst transfer ever. I couldn't get my card activated and had issues when I created my account to activate. The system kept locking me out. I called the number on the back of my card, and 47 minutes later, I was finally able to get my card activated and log in to my account.

I have attempted to reach CITI Aadvantage since they took over American Airlines Advantage card. WHAT A NIGHTMARE! You can RARELY speak to a real person, I STILL have not received my new card, with NO answers. My payment was registered late until I FINALLY was able to do it. SO MANY calls without answers. I am ready to shred the card! I LOVED the Barclays version and loved using my miles for American Airlines. THIS has been a nightmare. Even when I thought there was fraud, I was passed off and it was discarded as "the transition". Sharon T

I had fraudulent charges on my card 9 months ago that have yet to be resolved. Not only that CITI has been charging me late fees and interest on the charges that are not mine, even after they sent me a letter that I am not responsible for the fees. I have called them numerous times and get people that can't or won't help me. Customer service reps have poor English skills and are hard to communicate with. Customer service is terrible. I have been a good customer for 22 years and can't get any help resolving this issue. I recommend you avoid CITI card.

The worst thing that ever happened Was Barclays selling the card to Citi bank. I had citi years ago. Ended up closing the account due to how horrible they work. Now since the card was transferred to citi I have to called them weekly because the card keeps getting locked by them. This is ridiculous. Never encountered this problem with any other bank but Citi.

Flagged me attempting to activate card as potential fraudulent activity and refused to activate it for weeks; had to call back several times and never helped or provided clear pathway. Always said they'd send activation code in the mail, but it never arrived, and when I would call weeks later, they would say "Whoops we never sent it out". After months of hardly any usage they flagged my card for fraud again and blocked it. There was no attempted fraud at all during this time; they're just blocking my usage of the card. Customer support is beyond useless each time; crazy wait times, always staffed in Phillipines or some other non-US country. Connection quality always terrible. Genuinely worst banking experience I've ever had and it's not even close. I will never get a Citi card again.

I never thought that another credit card company would be worse than Barclays but Citibank supervisors are by far the most in incompetent customer service team I have ever experienced in my entire 60 plus years of being alive. Multiple disconnects and inaccurate information after spending more than 6 hours to resolve a simple issue.

My credit limit with Citi is $11,600.00. The Current Balance on the account is $1,951.79. I should have $9,648.21 Available Credit. Because Citi takes multiple days to process payments a $7,500 payment received May 20, 2026, has yet to post on May 22, 2026. As a result I am unable to pay important bills that exceed $2,148.21, the inaccurate Available Credit currently listed on the account. Citi is totally non responsive to my plea for help.

Customer service is non-existent not matter the avenue you attempt. Wish I had further researched their services prior to opening an account. Why Costco partners with them is wild. Not that this will make much of a difference to them, just needed to vent. So here I am, venting.

I just cancelled my Citi Card which generated American Airlines miles. Over years, the ability to reach a person has dwindled to impossible. I have no problems with Filipino customer service, but they often think they're speaking English and it is mumbo jumbo. I used to have a number of (slipped to me surreptitiously by a customer service person,) that connected me to someone here in the US. The prompts now torture you so awfully, forget reaching someone who speaks English natively. Most of the ones you reach are unintelligible. They try and I express to them my understanding that it is a hard job, I am not mean to them. But any question you ask they say have to ask "the Team."

Horrible! Horrible! If I can write horrible 100 more times, I would! Worst! I mean, worst bank ever! Do not bank with them! They will decline every transaction you make, no matter what it is! It's so bad they don't even text you, they make you call for a $20 food order, thinking it's fraud! Horrible bank, it's so bad. I never write reviews & this is how upset they've made me.

I am beyond frustrated with Citi Credit Card Services. My card was flagged for suspicious activity, which is understandable, but the way this was handled was unacceptable. I approved the charges TWICE through their verification system, yet my card continued to decline. I then had to call customer service while sitting with someone waiting to be paid in my driveway, only to be told they had “no way” to verify me because their phone verification system was down. So despite confirming my identity and approving the charges multiple times, I was left without access to my own credit card because of THEIR technical issues.

I need to share my experience with Citibank regarding a fraud dispute that has been very difficult to resolve. I disputed an $897.72 charge from a merchant in Indonesia that I did not authorize. The claim was denied after Citibank stated the merchant provided proof that services were completed. When I requested that documentation, I received invoices that raised serious concerns:

Barclays credit card converted by Citi & switched over to a Citi Card without my permission. I had just paid my $99 annual fee in March to Barclays, then Citi converted my card in April to a card with a first-year annual fee waived. Citi refuses to refund my $99 that I just paid for a card they converted & that I had no control over. So now I’ve paid $99 for a card. I don’t have and can’t use. What a bunch of crooks.

Many problems with this company. I was a customer for over 30 years. Recently: 1) I tried to buy a cellphone online. Citi blocked the purchase. I didn't know why it didn't go through until today, weeks later, when I called about another issue. 2) Their monthly statements have become unintelligible. I'm on autopay - it should be simple. But it is not. 3) I tried to book a flight using my miles. The agent made a mistake, which I again found out weeks later. I had to rebook, at a penalty. Go elsewhere!

I had a American Airlines Mastercard through Barclays which has since been taken over by Citi. The very first on-line transaction I tried was blocked by Citi. I guess I can understand the firm being cautious. But, I still had the same credit card number that was on my Barclays Master Card. The first rep was nice but after waiting 10 minutes on hold he tried to transfer me and disconnected me. Waste of 15 minutes of my life.

My review isn't good because I feel CITI doesn't have humanity in them. Two years ago my wife died and when I called to remove her name from the account they closed it saying that it wasn't a joint account which I don't understand because every bill came in both our names and my payment sent in had both our names on them. But then wonderful CITI said I could apply for a new account and they gave me one with a much lower credit limit. Now understand this. I had perfect payment history with them. So I added my son to the account and when he went to pay for his hotel room near where he was getting cancer treatment they refused payment saying it looked fraudulent when I called and they apologized but the very next day they did it again. I asked for a credit limit increase and they refused that. So CITI I paid you off and guess what's not going to be in my wallet?

To put it mildly… This card sucks! This is the worst credit card I have ever had to deal with! Constant calls into Customer Service who can’t do anything who escalate you to the fraud department who then escalate you to the security department then send you back to Customer Service department for false fraudulent claims for no ability to link to your Apple Pay declines on new purchases so the transfer zero balance promise squat because they can’t even get the card to work!

Contacted my credit Citicard about not receiving $20 cash back in points by using a link Citicard platform offered in my portal with Intuit turbo tax. Spoke with a supervisor who advised me they will investigate and call me or email me and after 15 days waiting I contacted citicard back and nothing was resolved. Ridiculous. I can’t trust my own credit card. Is not about the money BUT A PRINCIPLE AND CUSTOMER SERVICE TRUST….. O **.

In Feb. 2026, Citi cancelled my card because I wasn’t using my card often enough and paid it off every month. A letter came telling me I was cancelled and there were no charges on the card. But there were charges around $170. I could not pay it. Locked out of the account. So I paid through my bank bill pay. I kept getting email to pay with no avenue to do so. I was not sure they received my payment from bank. Phone calls, emails, I am unavailable and angry that they keep adding overdue charges. So now I owe 133. And got NO HELP from CUSTOMER SERVICE, just pay up now. I bet they sent it to collections and ruined my credit rating. I would NOT use this crooked company. It might be a SCAM to keep adding overdue charges while being LOCKED OUT of MY ACCOUNT. I no longer trust this company.

They closed my account with no notice just because I got a 40 dollars collection that I didn’t know about from my cable company and I paid it right away. That’s it. 20 years worth of credit with 0 missed payments doesn’t mean shit to Citi.

I applied for a new Citi Double Cash Back Bonus card and it logged me into to my old Citi Advantage account. Citi sent me an email to set up my account, they locked me out as soon as I applied to get a new account.. I called in and finally got a person after fighting a horrible customer service automated phone system for an hour.. It wanted my full credit card number which I didn't have and kept going back to terminating the call when I didn't have that yet.. I finally get to a person who transferred me to another person and on and on.. I finally got to a supervisor that said to call back in 3 days as I was told everyone is locked out for 3 business days.. Hmm then why send an email to set it up wasting hours of my time to try get it working..

Worst credit card I ever received. I was suckered in by the 0% balance transfer. Received the card, activated it, and got the confirmation email saying it was ready to go. Went to the store, tried using it, and it was declined. I called customer service, they said it was declined on the first try because they didn't know who was using it? Not sure what that meant but they wanted to confirm it was me by send me a text. I confirmed my phone number and they said it was an invalid number and my account couldn't be confirmed. Then I was told there was no other way to confirm this account. I've had this same number for 20 years so not sure why that didn't work either. I told them to just go ahead and cancel the card. It took another 35 minutes on the phone to cancel a card that I was never able to use. It was a Diamond preferred card so I thought it was good but I guess not. Terrible customer service and I'll NEVER use them again.

I have had the same credit card since 1998 as it's moved through companies, including to Citi years back. I have excellent credit and have never been late with a payment. I recently received a letter that they were lowering my credit limit considerably due to lower usage and to contact them if I wanted my previous credit limit reinstated. I called them and was given some nonsense about credit bureau recommendations and to contact the credit bureau. What?!

This company's representatives and upper management are the worst. I don't advise anyone to get a credit card or establish an account with them. I would leave 0 if I could.

I've always used a Citi card and had a great experience, until recently when I had a balance transferred to the account on 0% interest offer and they started charging me interest on my monthly charges. That was never an issue before and I always pay additional funds to pay off monthly charges and then some towards the balance transfer amount yet they still found a way to charge me interest. So frustrating!

If you have a joint account, you cannot view the statements. It is not a JOINT account and they force the joint owner to "see primary account holder" just to even view statements even though 6-8 months ago I could view the same statements my partner could. Citi Bank needs to put this back where both parties on the account can view statements. I've tried contacting them and just get told I'm not the "primary" so I can't see what's on my card. They will be wasting money snail mailing me paper statements until they get this fixed!

Abysmal customer service, I’ve called 4 times, been hung up on once and been on one online chat. The service is unhelpful, hard to communicate with and there is zero help to fix the issues. I got glimmered by the travel points and now regretting all my Citi card decisions. Trying to use my travel points for travel is a joke - I’ve yet to be able to access them for travel. I’ve only been able to use them for an account credit. Absolutely ridiculous service.

This is the worst credit card I have ever had. No loyalty to customers who pay on time or more than their minimum payment: DO NOT USE THEM, switch to American Express. The fees are worth their customer loyalty.

These cards are not secure. I've had my card replaced twice in a month and there's still fraud charges showing up. The chase cards I have are nowhere near this level of issue. And when you call, it takes a long time to get a person on the line to deal with the issue, which I did not cause. I cancelled my account.

Citi discriminates against older adults. I had a credit card in good standing with a credit limit of $12,500. CITI lowered my credit limit to 2400. I have a good credit score and excellent credit report. They discriminated against me for age. My payments were made on time.

I had Citi American Airlines credit card and that's the worst card you can own. They gave me $1500 credit limit and they expect me to spend lot of money so I can get their promotional 80,000 miles. How do you spend enough money to get those miles on just $1500 credit limit. On the other hand, I applied for United Airlines credit card and they gave me $20000 credit limit + 2 lounge pass every year.

I have had a Citi Simplicity card for years with a great credit score. I pay my bill off monthly bill each month yet they have never increased my credit limit. I applied for and got approved for the Citi double cash back card. I was told by the customer service representative that once I received the card they would increase my credit limit. The current credit limit is so low that it will lower my credit score to use it. My increase request was denied. I would not recommend Citi to anyone.

I mailed out a payment for my mom on April 3rd. The USPS handles their incoming mail received the payment on April 9th. But the payment still has not been processed yet.